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Our team works closely with leading global insurers, meaning streamlined negotiations, and cover that’s built around your real-world exposures.
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Lockton’s dedicated team of experts have more than half a century of experience in insurance placement for product recall, contaminated products (CPI), trade name restoration, and reputational risk protection. Using in-depth experience and global market reach, we’ll create a bespoke solution that helps you reduce both the chance of a recall event occurring, and the impact it has on your reputation and balance sheet.
Insurance that protects your product - and your brand
In a world of complex supply chains, stricter regulations, and constant innovation, product recalls are becoming more frequent, more public - and more expensive. A single affected product can trigger not only operational risk and financial loss, but lasting reputational damage.
Lockton’s Product Recall and Reputational Risk specialists bring decades of experience to help you manage reputational risk and keep your business moving when the unexpected hits. Whether you’re facing a safety issue, contamination, or customer backlash on social media, we’ll help you stay in control with tailored insurance solutions that protect your balance sheet and brand.
Trusted Cover, Proven Results
Our policies are designed to protect clients across every stage of the supply chain, and it’s important to note that ‘withdrawals’ are still covered incidents.
We place more than 350 product recall policies globally and have helped secure over $200m in claims payments - proof that our strategies work when they’re needed most.
What we bring to your business
Data-led approach
By benchmarking your data against industry standards and analysing emerging trends, we help you proactively assess risks, optimise your recall strategy, and align your policy limits with your future needs.
Unmatched technical expertise
Our product recall and reputational risk experts are recognised leaders in their field, regularly featured in industry media and trusted advisors for their industry knowledge.
Forward-thinking cover
From contamination to defective components, we keep up to date with regulatory changes and technology advancements to build solutions that reflect today’s real risks - and tomorrow’s.
Global reach
With a network spanning more than 100 international offices and partner firms, we bring you local knowledge, wherever you operate.
Who we work with
Our policies are tailored to suit the specific risks of your industry, whether you're managing product quality, production, or distribution.Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Food and beverage manufacturers and suppliers
Restaurant groups and food service operators
Consumer good and medical device manufacturers
Pet food companies
Pharmaceutical, cosmetic and nutraceutical manufacturers
Automotive and non-automotive component manufacturers
Contract packers and co-packaging suppliers
Consumer facing product brands and distributors
Need to make a claim?
Food & Beverage Claims Sheet
We know how disruptive a product recall can be - especially in the food and beverage industry. Our dedicated claims team has experience handing hundreds of recall claims and will guide you through the process. To learn more, we’ve created a claims sheet specifically for food and beverage businesses, outlining the step-by-step process.
Contact our Product Recall and Reputational Risk team
Freddie Schlesinger
Senior Vice President, Head of Product Recall & Reputational Risk, UK
freddie.schlesinger@lockton.com
+44 776 924 8552
Matt Humphries
Head of Crisis Management, Senior Vice President
matthew.humphries@uk.lockton.com
+44 750 850 7438
Freddie Statham
Assistant Vice President, Product Recall & Reputational Risk, UK
freddie.statham@lockton.com
+44 739 378 9404
Alex Lewington
Product Recall and Reputational Risk Broker
alex.lewington@lockton.com
+44 738 753 3918
Zoe Onyett
Product Recall and Reputational Risk Broker
zoe.onyett@lockton.com
+44 785 463 2662
Get in touch
Product Recall FAQs
What industries benefit most from Product Recall and Reputational Risk insurance?
This type of cover is especially valuable for businesses in high-exposure sectors such as food and beverage, consumer products, automotive manufacturing, pharmaceuticals, and nutraceuticals. These industries face intense regulatory scrutiny and fast-moving supply chains, where a single issue can escalate quickly and lead to lasting reputational damage.
What’s the difference between Product Recall and Reputational Risk insurance?
Product Recall insurance helps you cover the direct costs of removing a faulty or dangerous product from the market or withdrawing from the supply chain. Reputational Risk insurance focuses on protecting your brand image and recovering from a loss of consumer trust, and associated business interruption - for example, following a viral backlash or drop in sales due to negative social media or PR coverage.
Do I need Product Recall insurance if I already have liability cover?
Yes - general liability cover typically protects against third-party bodily injury or property damage but often excludes the costs associated with removing or replacing a faulty product. Product Recall insurance fills this gap, covering expenses like logistics, customer notifications, testing, and even reputational damage linked to the affected product. If you're in a high-risk industry like food and beverage or consumer goods, standalone product recall cover is essential for full protection.
Can I tailor my Product Recall insurance to suit my business?
Absolutely. At Lockton, we create bespoke product recall programmes designed around your unique supply chain, product type, and risk profile. Whether you're dealing with regulatory risk, manufacturing process errors, or issues tied to a third-party supplier, we’ll build a solution that reflects your needs.
What happens if I need to make a Product Recall insurance claim?
If a product recall incident occurs, your first step is to notify your Lockton contact and initiate your recall plan. Our dedicated claims experts will support you throughout the entire process - from coordinating with the insurer to providing long term support. With our experience handling hundreds of recall claims, we’re by your side when it matters most.
We're here to help
We bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.
Talk to our team